Hand County, SD Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 65 mortgage applications in Hand County, SD totaling $11.1 million, down 6% from 2024. The average application was for $171,000, and applicants reported an average income of $106,000. 45% of applications resulted in an originated loan and 26% were denied. The most active lender was American Bank & Trust, with 23 applications, followed by Plains Commerce Bank and Quoin Financial Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 65 |
| Total Mortgage Loan Application Amount | $11,125,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $585,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ n/a | 23 | $ 3,195,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 6 | $ 1,420,000 |
| Quoin Financial Bank 201 N BROADWAY MILLER, SD 57362 |
* | $ n/a | 6 | $ 1,130,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 740,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 3 | $ 455,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 380,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 95,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 215,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 1 | $ 55,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 235,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 15,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 265,000 |
| Security National Bank of Sd 325 DAKOTA DUNES BLVD DAKOTA DUNES, SD 57049 |
* | $ n/a | 1 | $ 195,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ n/a | 1 | $ 155,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ n/a | 1 | $ 155,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 485,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 155,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 105,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ n/a | 1 | $ 355,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ n/a | 1 | $ 5,000 |
The tables below break down 2025 mortgage applications in Hand County, SD by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Hand County, SD in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 39 | $6,695,000 | $171,000 | $685,000 | $105,000 | $585,000 |
| Refinancing | 12 | $2,260,000 | $188,000 | $485,000 | $128,000 | $260,000 |
| Other Purpose | 6 | $260,000 | $43,000 | $105,000 | $66,000 | $108,000 |
| Cash-out Refinancing | 5 | $1,235,000 | $247,000 | $685,000 | $100,000 | $158,000 |
| Home Improvement | 3 | $675,000 | $225,000 | $305,000 | $138,000 | $174,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 51 | $9,435,000 | $185,000 | $685,000 | $110,000 | $585,000 |
| Not applicable | 7 | $795,000 | $113,000 | $355,000 | $0 | $0 |
| Not Provided | 5 | $695,000 | $139,000 | $195,000 | $79,000 | $147,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $56,000 | $56,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $76,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 53 | $9,265,000 | $174,000 | $685,000 | $116,000 | $585,000 |
| FHA-insured (Federal Housing Administration) | 8 | $880,000 | $110,000 | $195,000 | $58,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 3 | $835,000 | $278,000 | $685,000 | $93,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $145,000 | $145,000 | $145,000 | $56,000 | $56,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 29 | $5,225,000 | $180,000 | $685,000 | $130,000 | $585,000 |
| Application Denied By Financial Institution | 17 | $2,585,000 | $152,000 | $535,000 | $87,000 | $326,000 |
| Application Withdrawn By Applicant | 14 | $2,230,000 | $159,000 | $545,000 | $84,000 | $198,000 |
| File Closed For Incompleteness | 2 | $360,000 | $180,000 | $235,000 | $142,000 | $235,000 |
| Loan Purchased By The Institution | 2 | $460,000 | $230,000 | $355,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $265,000 | $265,000 | $265,000 | $112,000 | $112,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 42 | $7,270,000 | $173,000 | $685,000 | $102,000 | $260,000 |
| Debt-To-Income Ratio | 13 | $2,615,000 | $201,000 | $685,000 | $158,000 | $585,000 |
| Credit History | 5 | $295,000 | $59,000 | $195,000 | $62,000 | $95,000 |
| Other | 2 | $540,000 | $270,000 | $485,000 | $114,000 | $157,000 |
| Collateral | 2 | $270,000 | $135,000 | $195,000 | $38,000 | $40,000 |
| Employment History | 1 | $135,000 | $135,000 | $135,000 | $21,000 | $21,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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